Mambu
Amsterdam-based composable core banking and payments for lenders, neobanks and banks, with deposits, lending and Islamic banking modules
Quick Overview
| Company | Mambu B.V. |
|---|---|
| Category | Core Banking Software |
| Headquarters | Amsterdam, Netherlands |
| Founded | Not stated |
| EU Presence | Yes - Netherlands (EU) |
| Data Location | Not stated on the website |
| Open Source | No |
| GDPR Compliant | Yes |
| Self-Hosting | No |
| Main Features | Mambu Core, Mambu Payments, consumer and business lending, mortgages, BNPL, current accounts and savings, stored value accounts, Islamic banking, API reference and sandbox documentation |
| Pricing | Pricing on request |
| Best For | Lenders, neobanks and fintechs that want to assemble a banking stack from modules |
| Replaces | Fiserv, FIS, Jack Henry |
Detailed Review
Mambu describes its platform as three layers: Mambu Core for deposits and lending, Mambu Payments for connecting and orchestrating payments, and Mambu Agentic, an AI layer. The homepage states that hundreds of customers in 65+ countries use it.
The imprint on mambu.com names Mambu B.V., Piet Heinkade 55, 1019 GM Amsterdam, with register number 862181227 and VAT number NL862181227B01.
Composable by Product Type
Lending is split into consumer loans, business loans, purchase finance and retail mortgages, and deposits into consumer and business banking and stored value accounts. Islamic funding and financing (Murabahah, Tawarruq, Qard Hassan) have their own modules.
A lender can start with one product line and add others, which is the opposite of the all-in-one cores sold by older vendors.
Segments It Targets
The site groups customers into banks, neobanks, lenders, fintechs, non-financial institutions and credit unions, and use cases such as banking-as-a-service, embedded finance and modernisation.
Public documentation, release notes, a community and a status page are linked from the site, which helps a technical evaluation before any sales call.
What Is Not Public
The pages do not list prices, hosting regions or sub-processors. The imprint names the Dutch company, but a contract may involve other group companies, which a buyer should confirm.
Limitations to Consider
Pricing and hosting locations are not published, and the imprint does not say which Mambu entity signs customer contracts, so confirm that before you list it as a Dutch-only supplier. It is a SaaS platform, so banks that need an on-premise core should look at Temenos or ERI. Heavy customisation depends on integrating around the core rather than changing it.
Who Should Use Mambu
Lenders, neobanks and fintechs in Europe that want a SaaS core assembled from modules and a Dutch vendor entity.
Pros and Cons
Pros
- Separate modules for lending, deposits and payments
- Islamic banking products included
- Public API reference and release notes
- Dutch registered company with imprint
- Used across banks, neobanks and lenders
Cons
- No public pricing
- Hosting region not published
- SaaS only
- Contracting entity for customers to be confirmed
Alternatives to Mambu
Other European core banking software worth comparing before you decide:
Thought Machine
United Kingdom · Cloud-native core ledger and payments with a configuration layer
Skaleet
France · Modular SaaS core banking on EU-based private cloud
10x Banking
United Kingdom · SaaS core for banks, mutuals and lenders with AI migration tools
Temenos
Switzerland · Core, digital, payments and wealth banking on-premises, cloud or SaaS
See all European core banking software or compare them directly against Fiserv on our alternatives page.
Frequently Asked Questions
Core runs deposits, lending and Islamic banking products. Payments is a separate product for connecting and orchestrating payment flows through one platform.
The imprint at mambu.com names Mambu B.V. in Amsterdam. For a specific contract, ask which group company is the counterparty.
No. The website directs visitors to book a demo or contact the team.